Our Residential Mortgages
A guide to our range of Residential mortgages

Our Residential mortgages have been designed to meet different customer's needs.

Find out what customers we support
Why you should
choose Kensington

Self Employed considered on only 1 year's accounts with a 15% deposit required

Up to 6x income multiples available for Higher Earners and Young Professionals

Investment and Second job income considered

Minimum 5% deposit required


Our Select mortgage range…. is designed if you have minor blips in your credit history or complex financial income streams, which don’t fit the High Street banks model. You are able to borrow up to £500,000 (subject to full approval) with as little as 5% deposit. 


Call Climb Specialist Mortgages on 020 3887 9133 (Mon-Fri 9am - 5:30pm) to get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage.


Our Select Premier mortgage range… could be perfect if you require a larger mortgage. Our loans offer those with incomes over £100,000 (or £50,000 each for joint applications) lending up to 6x their income based on affordability. With a maximum value of £2million (min 20% deposit required), £1.5 million (min 15% deposit required) and £1 million (min 10% deposit) on a 1, 2 and 5 year fixed rate deal.


Our Brighter Futures mortgage range… supports you if you’re a Young Professional under 41, and helps you to make the most of your training and potential to get ahead. Specifically designed for qualified Doctors, Dentists, Lawyers, Accountants, Commercial Pilots and Barristers. With up to 6x Income multiple available based on affordability, a max loan value of £500,000 and a minimum of 10% deposit is needed… our Brighter Futures Mortgage provides a perfect springboard to help you own your own home. 


Our Options mortgage range… aims to help you if you’ve had more recent credit history blips (such as missed credit card payments or County Court Judgements). With a maximum loan size of £500,000 and a minimum 15% deposit required, our Options mortgages are available if you’re looking to move home or remortgage. Please note that this range is not available to First Time Buyers.


Our Later Life mortgage range… is specifically built if you’re nearing or are in retirement, offering a mortgage opportunity that supports your lifestyle. With a minimum age of 55 years at application and maximum age of 90 at the end of the mortgage term… and with fixed 2, 5 and 10 year terms available, our mortgages help to provide you with a certainty, so you can fully enjoy your retirement.


Our Help to Buy mortgage range… helps you if you’re looking to take advantage of the Government-backed scheme. With a minimum 25% deposit required on a repayment basis, you can get on the property ladder and get your new home with Kensington.


Our Right to Buy mortgage range… has been created to help you if you’re looking to buy your home off the Council. With a 25% deposit required, with 100% of the Discounted Purchase price… it allows you to secure your future and own your home.


Our Property Plus mortgage range… caters if the property you’re looking to buy is a little out of the ordinary from: pre-fabricated reinforced concrete to those made out of Cob or timber framed!  With a max loan value of £500,000 and minimum deposit contribution of 25%, it also gives you the option to have a fixed rate deal over 2, 3 or 5 years. 


Call Climb Specialist Mortgages on 020 3887 9133 (Mon-Fri 9am - 5:30pm) to get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage.


All of our Residential mortgages require a minimum loan amount of £25,001 and minimum property value of £75,000.

Where to go next
New to Kensington?

Get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage through Climb Specialist Mortgages on 020 3887 9133.

Visit Climb Specialist Mortgages 
Existing Customers

We are always happy to talk to you and answer any questions you may have about your mortgage.

Connect with us

Please be aware mortgages are secured against your home and your home may be repossessed if you do not keep up repayments on your mortgage. 

Accessibility Cookie Policy Useful Information. How we use your information.

Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.